Fidelity National Financial (FNF) AI Stock Analysis

• Market Cap: $15.59B
• Dividend Yield: 3.51%
• Average Volume (3M): 1.10M
• Price to Earnings (P/E): 13.4
• Beta (1Y): 0.65
• Revenue Growth: 3.91%
• EPS Growth: 55.78%
• Country: US
• Employees: 23,533
• Sector: Financial
• Sector Strength: 70
• Industry: Insurance - Specialty
• EPS (TTM): 1.63
• Shares Outstanding: 271,122,560
• 10 Day Avg. Volume: 1,362,216
• 30 Day Avg. Volume: 1,098,668
• PEG Ratio: 0.08
• Price to Book (P/B): 1.96
• Price to Sales (P/S): 1.11
• P/FCF Ratio: 2.28
• Enterprise Value/Market Cap: 1.42
• Enterprise Value/Revenue: 1.57
• Enterprise Value/Gross Profit: 5.84
• Enterprise Value/Ebitda: 8.36
• 1Y Price Target: $68.00
• Price Target Upside: 16.24% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 3
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 69 Neutral
• Price Target: $60.00 ▲(2.56% Upside)

Fidelity National Financial's overall stock score is driven by its strong financial performance and positive earnings call results, which highlight robust growth in key segments. The valuation is reasonable, supported by a solid dividend yield. However, technical indicators suggest a bearish trend, which slightly tempers the overall score.

Positive Factors

Revenue Growth

Consistent revenue growth indicates strong market demand and effective business strategies, supporting long-term financial stability.

Cash Flow Generation

Robust cash flow generation enhances financial flexibility, enabling strategic investments and shareholder returns, crucial for long-term growth.

Technology Integration

Successful technology integration improves operational efficiency and customer experience, strengthening competitive advantage in the market.

Negative Factors

Profit Margin Pressure

Decreasing profit margins can impact profitability, necessitating cost management and efficiency improvements to sustain long-term earnings.

Decline in Purchase Orders

A decline in purchase orders may indicate weakening demand in core markets, potentially affecting future revenue and growth prospects.

Equity Ratio Concerns

A low equity ratio may limit financial resilience, increasing vulnerability to market volatility and impacting long-term financial health.

Fidelity National Financial Business Overview & Revenue Model

Company Description

Fidelity National Financial (FNF) is a leading provider of title insurance, technology, and transaction services to the real estate and mortgage industries. The company operates primarily through its subsidiaries, which include title insurance underwriters, real estate services providers, and mortgage technology solutions. FNF serves a diverse clientele, including real estate agents, lenders, and homebuyers, facilitating smooth and secure property transactions across the United States and internationally.

How the Company Makes Money

Fidelity National Financial generates revenue primarily through its title insurance premiums, which are collected when real estate transactions close. The company earns fees from various real estate services, including escrow and closing services, as well as from its mortgage technology solutions. Additionally, FNF generates income from its ownership in strategic investments and partnerships, particularly in technology and data solutions that enhance the efficiency of real estate transactions. Key revenue streams include title insurance sales, service fees, and technology licensing agreements. The company's strong position in the title insurance market, bolstered by its extensive network of agents and partnerships with real estate professionals, contributes significantly to its earnings.

Fidelity National Financial Financial Statement Overview

Summary

Fidelity National Financial exhibits a strong financial position with consistent revenue growth and solid cash flow generation. While profitability margins have faced slight pressure, the company maintains a healthy balance sheet with improved leverage ratios. Continued focus on operational efficiency and cash management will be key to sustaining growth and profitability.

Income Statement

Fidelity National Financial shows a solid performance with a consistent revenue growth rate of 3.39% in the TTM period. The gross profit margin remains strong at 74.98%, indicating efficient cost management. However, the net profit margin has slightly decreased to 7.91% from 9.26% in the previous year, suggesting some pressure on profitability. The EBIT and EBITDA margins are healthy, reflecting good operational efficiency.

Balance Sheet

The company's debt-to-equity ratio has improved to 0.50 in the TTM period, indicating a balanced approach to leveraging. Return on equity is strong at 13.24%, showcasing effective use of shareholder funds. However, the equity ratio is relatively low, which could pose a risk if asset values fluctuate.

Cash Flow

Fidelity National Financial demonstrates robust cash flow management with a free cash flow growth rate of 8.66% in the TTM period. The operating cash flow to net income ratio is exceptionally high, indicating strong cash generation relative to earnings. The free cash flow to net income ratio remains stable, underscoring efficient cash utilization.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	14.06B	13.71B	11.79B	11.56B	15.64B	10.78B
Gross Profit	3.78B	13.71B	11.79B	11.61B	15.65B	9.02B
EBITDA	2.64B	2.69B	1.46B	2.34B	3.84B	2.17B
Net Income	1.17B	1.27B	517.00M	1.29B	2.80B	1.43B
Balance Sheet
Total Assets	106.64B	95.37B	80.61B	57.11B	60.69B	50.45B
Cash, Cash Equivalents and Short-Term Investments	74.38B	31.05B	26.56B	37.73B	36.36B	30.80B
Total Debt	4.40B	4.71B	4.28B	3.66B	3.51B	3.08B
Total Liabilities	97.30B	86.84B	73.15B	59.61B	51.23B	42.06B
Stockholders Equity	9.33B	7.75B	6.91B	6.12B	9.41B	8.35B
Cash Flow
Free Cash Flow	5.67B	6.67B	6.35B	4.22B	3.96B	1.47B
Operating Cash Flow	5.82B	6.82B	6.48B	4.36B	4.09B	1.58B
Investing Cash Flow	-9.17B	-7.86B	-9.09B	-10.52B	-7.45B	-2.33B
Financing Cash Flow	1.88B	1.76B	3.09B	4.09B	5.00B	2.10B

Fidelity National Financial Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 58.50
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For FNF, the sentiment is Positive. The current price of 58.5 is above the 20-day moving average (MA) of 56.20, above the 50-day MA of 57.70, and above the 200-day MA of 57.95, indicating a bullish trend. The MACD of 0.03 indicates Negative momentum. The RSI at 59.87 is Neutral, neither overbought nor oversold. The STOCH value of 64.56 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for FNF.

Fidelity National Financial Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
MTG	78 Outperform	$6.33B	9.09	14.40%	1.97%	2.20%	9.90%
AIZ	73 Outperform	$11.32B	13.76	15.41%	1.41%	6.91%	17.60%
ESNT	73 Outperform	$6.10B	9.02	12.35%	1.99%	2.78%	-0.50%
FNF	69 Neutral	$15.59B	13.38	14.22%	3.51%	3.91%	55.78%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
RYAN	64 Neutral	$14.52B	431.95	11.16%	0.84%	22.77%	-34.97%
FAF	60 Neutral	$6.51B	13.72	9.28%	3.47%	25.99%	426.44%

Fidelity National Financial Corporate Events

Fidelity National Financial Reports Strong Q3 2025 Results

Fidelity National Financial, Inc. (NYSE:FNF) is a prominent provider of title insurance and transaction services for the real estate and mortgage sectors, as well as insurance solutions through its subsidiary F&G Annuities & Life, Inc. (NYSE:FG). The company is recognized for its comprehensive services and significant market presence in the United States.

Fidelity National Financial Announces Special Stock Distribution

On November 6, 2025, Fidelity National Financial‘s board approved a special stock distribution of approximately 16 million shares of F&G Annuities & Life, Inc., representing about 12% of F&G’s outstanding shares. This distribution, set for December 31, 2025, will provide FNF shareholders with around six shares of F&G for every 100 shares of FNF they hold as of December 17, 2025. The distribution is structured as a taxable dividend for U.S. federal income tax purposes, and shareholders will receive cash for any fractional shares.

The most recent analyst rating on (FNF) stock is a Buy with a $65.00 price target. To see the full list of analyst forecasts on Fidelity National Financial stock, see the FNF Stock Forecast page.

Fidelity National Financial’s Earnings Call Highlights Robust Performance

The recent earnings call for Fidelity National Financial Class A (FNF) painted a picture of robust performance amidst some challenges. The sentiment expressed during the call was generally positive, with notable achievements in the Title segment and growth in F&G’s assets under management. Strategic initiatives like the reinsurance sidecar were highlighted, although there were concerns over increased expenses and a decline in adjusted net earnings. Despite these hurdles, the overall performance was solid, with positive growth indicators in key areas.

Fidelity National Financial Reports Q2 2025 Earnings

Fidelity National Financial, Inc. (NYSE:FNF) is a leading provider of title insurance and transaction services to the real estate and mortgage industries, as well as insurance solutions through its subsidiary F&G Annuities & Life, Inc. (NYSE:FG), serving both retail and institutional clients.